Non Owner Policies

Non-owner car insurance provides liability coverage for people who drive regularly but do not own a vehicle. It may cover bodily injury and property damage you cause to others while driving a borrowed or rented car. A non-owner policy can also help drivers in Ohio keep continuous coverage, which may help avoid higher rates later.

What Is Non-Owner Car Insurance, and Who Needs It in Ohio?

Non-owner car insurance is a liability-only policy for drivers who do not have a car of their own. It is often a fit for people who borrow vehicles, use car-sharing or rental services, or need to file proof of insurance after a violation.

What Does a Non-Owner Policy Typically Cover?

A non-owner policy may include the following coverages:

• Bodily injury liability for injuries you cause to others
• Property damage liability for damage you cause to someone else’s property
• Uninsured and underinsured motorist coverage, where available
• Medical payments coverage, where available

Does Non-Owner Insurance Cover the Car I Am Driving?

No, non-owner insurance does not pay to repair or replace the vehicle you are driving. It also does not apply to a car you own or one that is regularly available for your use, such as a household vehicle.